Business Details
About
Loan AgencyInvestment Service
At Republic Finance, we've been helping customers meet their financial needs since 1952. Get the funds to begin living your dreams. Get started today! 70+ years exp. Helpful resources. Customer-centered. Nearly 370,000 customers. Flexible lending options.
Details
- Onsite servicesAvailable
Location
Hours
Reviews
3.6
17 reviews
5 stars
11
4 stars0
3 stars0
2 stars0
1 star
6
- WCWinona CareyOct 6, 20255.0When i have to go into office, I've always been greeted with a smile and always ready to help with any questions I may have!
- LDLovelle DruryJul 15, 20231.0Signed loan paperwork that said the interest rate was 26%. I have the paperwork. Somehow now we owe them double what we borrowed plus some.
- SHShaun HeltonJan 30, 20231.0Horrible and rude customer service
- MBMavonna BowmanNov 21, 20195.0Cannot say enough positive things about my experience. The staff was very helpful throughout the entire process. They definitely went beyond what was necessary to help me. I would highly recommend this business.
Frequently Asked Questions About Republic Finance
What does Republic Finance do?
At Republic Finance we have been helping our customers meet their financial needs and life goals
since 1952. We offer personal loans from bill consolidations, home improvements, vacations, car
purchases, car repairs, and other unplanned expenses, we're here to help you!
What is the difference between pre-qualifying for a loan and applying for a loan?
Pre-qualification gives you an estimate of loan terms you may qualify for based on your credit and the
information you provide. Final approval and loan terms are contingent on completion of a full loan
application.
I received a loan check in the mail, is it real?
Yes, it is a real loan check! A loan check is a pre-approved loan offer. Click here for more information
about our loan checks.
What is the difference between interest rate vs APR?
The interest rate deals with the costs you will pay to borrow money. The interest rate only includes
the interest percentage you will be charged for borrowing the money and does not include any other
fees you might be required to pay on the loan.
The Annual Percentage Rate (“APR”) is not the same as the interest rate. The APR is the interest rate
plus the fees you may be required to pay on the loan (i.e., origination fees, closing fees, documentation
fees, and other finance charges) and is expressed in terms of a percentage rate. The APR will typically be
higher than your interest rate.
What does it mean to refinance my loan?
Refinancing a loan replaces your existing loan with a new loan that potentially has a new interest rate,
revised terms, and/or revised repayment timeline. The remaining balance of your former loan will be
included in the loan amount of your refinanced loan along with any loan origination fees and voluntary
insurance products you agree to purchase, if allowed by state law.
How long does it take to get money from Republic Finance?
If you qualify for electronic funding, the funds will be deposited in your bank account within 1-2
business days. When closing a loan in a physical Republic Finance office location, you will receive your
funds the same day in the form of a paper check.
How much can you borrow from Republic Finance?
The size of your loan approval depends on many factors, such as state of residence and income.
However, the largest loan amount you can pre-qualify for online with Republic Finance is $10,000.
What happens if I miss a payment with Republic Finance?
If you do not make your payments on time, you may be charged a late charge. You can call your local
branch or refer to your loan documents for details about late charges, including the amount.
What types of loans does Republic Finance offer?
Republic Finance offers personal loans for bill consolidations, home improvements, vacations, car purchases, car repairs, and other unplanned expenses.
How does pre-qualifying for a loan differ from applying?
Pre-qualification provides an estimate of loan terms based on your credit and information provided, while final approval and loan terms depend on completing a full loan application.
What does it mean to refinance a loan at Republic Finance?
Refinancing means replacing your existing loan with a new one that may have different interest rates, terms, or repayment timelines, including your remaining balance plus any fees.
How quickly can I receive my loan funds from Republic Finance?
If eligible for electronic funding, funds are deposited within 1-2 business days; for in-person loans at Republic Finance offices, funds are given the same day via a paper check.
What are the business hours for the Republic Finance Nicholasville location?
The Nicholasville office is open Monday through Friday from 8:00 AM to 5:00 PM and closed on Saturdays and Sundays, including certain holidays like Thanksgiving and Christmas.
What is the largest loan amount I can pre-qualify for online at Republic Finance?
You can pre-qualify online for a loan amount up to $10,000, depending on factors such as your state of residence and income.
What are some nearby dining options near Republic Finance in Nicholasville?
Nearby dining options include Papa John's Pizza, Wingstop, Culver's, Wendy's, Pizza Hut, and King Buffet, offering a variety of fast food and restaurant experiences.
Are there convenient financial services near Republic Finance's Nicholasville location?
Yes, nearby financial services include Stock Yards Bank & Trust, Kentucky Bank, Western Union, and Advance America, providing various banking and money transfer options.
What nearby stores can customers visit before or after their Republic Finance visit?
Customers can visit the AT&T Store for mobile needs, Walgreens for pharmacy and retail items, Great Clips for haircare, and This and That Vendors Mall for thrift shopping.
How can nearby gas stations and ATMs assist customers visiting Republic Finance?
Nearby gas stations like Marathon and Speedway offer refueling convenience, while ATMs such as The Exchange Network and LibertyX Bitcoin ATM provide easy cash access during your visit.